ZIP 21531 Foreclosure, Tax-Lien & Distress Report
Garrett County, Maryland · High Vacancy market
Scored purely from public records, 21531 (Garrett County, Maryland) returns a minimal composite of 11/100. Structural exposure scores 28 and live distress 4 on the 0–100 scale. The sharpest non-environmental signals are construction/permit lag (33/100), structural risk (28/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (13/100) register low. Environmental exposure also runs high (flood (NFIP) exposure (78/100)).
The market reads expansion — home values rose 5.3% year on year, and 54% higher over three years, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
A median home runs $180,300 here, or 3.1 times local income. On demographic stress specifically, 21531 scores 30/100. The tenure split is 85% owner-occupied to 15% rented. About 15% have a four-year degree. There are about 1,351 housing units across 21531. Vacancy runs 20.7%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $53,750 — below the roughly $78,000 national figure. Rent burden reaches 35% of tenant households. Population is roughly 2,346 with a median age of 49. 16.0% of residents fall below the poverty threshold.
Net-net, 21531 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Whether 21531 runs hot or quiet, its 11/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 21531 can be compared directly against any other ZIP in Garrett County, Maryland or nationwide. Sparse data for 21531 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 11/100 for 21531 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 21531 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 21531
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 21531 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 21531, the same set carried on every parcel.
Garrett County ZIPs near 21531
More distress data near 21531
Related ZIP, county and statewide reads linked to Garrett County, Maryland.
Get the full acquisition report for 21531
See who owns each distressed property in 21531, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology